Health Insurance

All Education Abroad Network participants receive an overseas health insurance policy included in the cost of the program. Policies do vary by country. This chart provides a quick summary of coverage with more details below.

Australia New Zealand Asia
Name of Insurance Company (Australia and New Zealand insurance coverage is split between two providers) Medical Providers: Worldcare Assist Silver, Medibank Private and BUPA Australia

Additional Policy: CISI

OSHC Providers: Studentsafe Insurance

Additional Policy: CISI

Cultural Insurance Services International (CISI)
Benefit for Injury or Sickness No Limit (OSHC) $1,000,000 (OSHC) $250,000 (CISI)
Benefit for Medical Evacuations $100,000 (CISI) $100,000 (CISI) $100,000 (CISI)
Benefit for Repatriation of Remains $100,000 (CISI) $100,000 (CISI) $100,000 (CISI)
Benefit for Accidental Death and Dismemberment while Overseas None $25,000 (OSHC) $10,000 (CISI)
Mental Nervous Coverage None None $5,000 (CISI)
Military, Political, Personal Threat, and Natural Disaster Security Evacuation $100,000 (CISI) $100,000 (CISI) $100,000 (CISI)
Exclusions Pre-Existing Conditions Pre-Existing Conditions None


Australia Programs

Australia Health Insurance Information

The basic medical and health insurance policy, or Overseas Student Health Coverage (OSHC), fulfills the mandatory insurance required by the government for international students in Australia. The country has excellent medical and health systems available to international students. The Australian government required OSHC can be administered by WorldCare, Medibank Private, BUPA and AHM, as all are government insurance providers.

  •   The cost for OSHC is included in TEAN program fees.
  •   OSHC provides free or discounted access to the University Health Service and to public hospitals.
  •   Enrollment in OSHC is finalized during students’ university orientation program at which time they will receive a membership card and detailed instructions on how to use their OSHC plan.
  •   The Education Abroad Network includes a supplemental insurance policy from CISI Insurance for Medical Evacuation and Repatriation, as well as Military, Political, Personal Threat and Natural Disaster Security Evacuation, as those important coverages are absent from the standard Australian Government OSHC policies.
  •   Dental Care and Optical Care are NOT covered by OSHC; we recommend students schedule any necessary examinations before they depart as they are likely to be considerably more expensive in Australia.

There are some limitations to OSHC. If students have any existing health concerns, they should contact their current insurance provider before they leave for Australia. Higher-level coverage, such as access to private hospitals and dental services, is also not included in OSHC. Medical insurance for higher level medical needs is the student’s individual responsibility.

Please follow the links below for details on host institution’s preferred health care provider:

  •   Worldcare Assist Silver Plan: Bond University, University of Queensland, Macquarie University, University of Melbourne, University of Sydney, Murdoch University, University of Western Australia, University of Notre Dame, Griffith University, Monash University and University of Newcastle
  •   Medibank Private: University of New South Wales, Queensland University of Technology, University of Western Australia, James Cook University, RMIT University, University of Technology Sydney, and International College of Management, Sydney
  •   Australian Health Management Group: University of Wollongong
  •   BUPA Australia: Deakin University

New Zealand Programs

New Zealand Health Insurance Information

New Zealand also has excellent medical and health systems available for international students. The basic medical and health insurance policy, or Overseas Student Health Coverage (OSHC), fulfills the mandatory insurance required by the government for international students in New Zealand. The New Zealand government through the Ministry of Education Code of Practice for Pastoral Care of International Students requires that international students have medical and travel insurance. Our partner universities in New Zealand utilize Student Safe Insurance which provides both medical and travel insurance. This comprehensive insurance is included in the program fee and includes the following:

  •   Medical evacuation
  •   Hospitalization
  •   Surgery
  •   Emergency dental services
  •   Change in vision services
  •   TEAN includes a supplemental insurance policy from CISI Insurance for Medical Evacuation and Repatriation, as well as Military, Political, Personal Threat, and Natural Disaster Security Evacuation, as those important coverages are absent from the standard Australian Government OSHC policies.

There are some limitations to Student Safe Insurance. If students have any existing health concerns, they should contact their current insurance provider before they leave for New Zealand. Medical insurance for higher levels of need is the student’s individual responsibility.

Asia Programs

Asia Health Insurance

TEAN provides health insurance as part of the program fee. We will enroll students in advance of their departure so that they have health coverage before they leave their home town.

TEAN is proud to partner with CISI, an established worldwide leader in the educational travel and cultural exchange insurance market. CISI is committed to providing comprehensive insurance coverage to international students and cultural exchange participants worldwide.

Coverage provided through health insurance typically includes:

  •   $250,000 of Coverage per Injury/Illness
  •   24-Hour World-Wide Emergency Assistance
  •   $100,000 for Emergency Medical Transportation and Evacuation and Return of Mortal Remains
  •   Diagnosis, Treatment and Surgery by a Physician
  •   Operating Room Charges
  •   X-Rays for Out-Patient Services
  •   Dressings, Drugs and Medication Requiring a Prescription

Safety Abroad

Safety Abroad

Safety Abroad

TEAN is committed to the health and safety of every participant. It is very important that students make informed decisions about their study and travel destinations. We continually monitor the safety and security of our study abroad program locations as well as popular student travel destinations. We continue to advise students of the safety and health risks associated with studying and traveling abroad based on the information from the U.S. Department of State’s travel warnings, local law enforcement, NAFSA: the Association of International Educators and the World Health Organization.

TEAN has an Emergency Response Plan for all of our study abroad locations that is implemented by both our Resident Director staff in Asia Pacific and our U.S.-based staff in Chicago, Illinois. Our staff will work with students, parents, and study abroad staff at both the student’s home and host institutions to provide the most up-to-date information regarding situations that may arise while studying abroad. Our program participants are given Emergency Contact Information cards before they depart the U.S. and also briefed at orientation with specific instructions to follow in case of an emergency.

Safety Tips

  •   Emergency Contacts: Students designate a parent or guardian as their Emergency Contact in their Virtual Application to ensure that information regarding an emergency situation will automatically be passed on to their parents.
  •   Communication Information: Students provide TEAN with the most up-to-date contact information including their telephone, mobile phone, address, and email address. We also encourage students to notify their parents and Resident Director in case of an emergency.
  •   Keep Others Informed: When students travel while abroad, it is critical that they inform others (roommates, parents, Resident Director) of their travel plans. Keeping others informed will make it easier to locate all students in case of an emergency.
  •   Stay Informed: We provide as much information as we can and we strongly encourage all of our students to research the political, cultural, and social climate of their study and travel abroad destination before heading overseas. While abroad, students should pay attention to local news sources for developments that may affect their health and safety, as well as stay in touch with their Resident Directors. If you have questions, please contact an Education Abroad Network staff member either in the U.S. or abroad.
  •   What about anti-American sentiment? Although individual Americans are generally well liked abroad, host nationals will often question the activities of the U.S. Government and may hold anti-American views. This has occurred for some time, in periods of both peace and crisis. Participants in the past have found these tips useful:
  •  Use common sense
  •  Dress to blend in
  •  Speak softly and respectfully
  •  Avoid overt displays of American patriotism
  • TEAN also advises that students avoid all public demonstrations.

Travel Insurance

Travel Insurance

TEAN highly recommends the purchase of extra travel insurance through STA Travel for any unexpected mishaps that can occasionally occur while you are traveling. Travel insurance is optional and is not included in TEAN program fee. Students can purchase travel insurance for approximately $400 for six months of coverage through the reputable student travel agency, STA Travel. Smaller lengths of coverage are also available online at

Coverage includes:

  •   Travel protection
  •   Trip cancellation
  •   Trip interruption
  •   Baggage protection
  •   Lost or stolen baggage
  •   Delayed baggage
  •   Medical protection
  •   Sickness or accident
  •   Emergency evacuation
  •   Travel accident protection
  •   Accidental death and dismemberment
  •   Worldwide Emergency Assistance Services
  •   24-hour travel and medical emergency assistance
  •   Emergency cash transfer

Statement on Title IX, Sexual Assault and Misconduct

The cultural and legal context surrounding Title IX issues may be different from what you are used to in the U.S. Many behaviors considered to be harassing or discriminatory in the U.S. may be more common, or even socially tolerated, in other countries. While many U.S. institutions have developed sophisticated structures of support and judicial process surrounding sexual and interpersonal misconduct, universities abroad are generally less involved at an administrative level. Although TEAN cannot control the local environment, TEAN staff will do as much as possible to support students as they navigate through this unfamiliar territory. TEAN strives to provide relevant resources onsite, and works collaboratively with students’ home universities to provide additional remote support.

In the case of sexual assault or sexual misconduct, TEAN strives to empower its student participants and support their rights as much as possible. In some instances, students’ home institutions may require TEAN to report Title IX incidents to designated officials at their home institutions, including the names of those involved. In these cases, the home institution may launch a judicial process to adjudicate the alleged assault or misconduct. Upon learning of an incident of sexual assault or misconduct, TEAN may need to share some details with other program participants to protect their safety. TEAN will make every effort to do so while upholding the confidentiality of the reporting individual and others who may be involved.

TEAN strongly recommends that any program participant who experiences a sexual assault or incident of harassment communicate with a trusted friend or family member for emotional support, and report the incident to TEAN onsite staff. If the student does not wish to discuss the incident directly with TEAN, we urge them to contact the local U.S. embassy or consulate for assistance. The embassy/consulate can provide a list of trustworthy medical facilities and other local resources. For more information about U.S. State Department resources, visit the website.

Additionally, a student’s home university likely has an extensive webpage devoted to Title IX violations and resources, and likely has a list of trained advisors who are equipped to provide resources and support.